The home loan process can confuse first-time buyers as well as seasoned ones, regardless of whether they qualify for a loan. Today’s writers say obtaining a loan nowadays can be difficult for some, even with solid credit. They suggest changes to the qualifying process they say can benefit lenders as well as borrowers. The third piece urges Congress to pursue tax reform.

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People join a rally in support for U.S. Centers for Disease Control and Prevention employees on Tuesday afternoon, April 1, 2025, at the Atlanta headquarters after federal cuts triggered significant layoffs. (Photo: Jenni Girtman for The Atlanta Journal-Constitution)

Credit: Jenni Girtman